替代还是互补:社会保险与商业保险关系的理论和实证分析  

Substitute or Complementary: Relationship between Social Insurance and Business Insurance

作　　者：曹乾[1] 张晓[1] 

机构地区：[1]东南大学保险研究所,江苏南京210009

出　　处：《金陵科技学院学报（社会科学版）》2006年第4期46-49,共4页Journal of Jinling Institute of Technology(Social Sciences Edition)

基　　金：国家教育部社会科学基金项目(05JA630008);江苏省教育厅哲学社会科学基金项目(06SJD630055)

摘　　要：社会保险和商业保险是两个不同的风险经营体系,但是二者之间仍然存在着一定的关系。问题是社会保险的发展是否会抑制商业保险的发展,即二者之间是呈现替代关系还是互补关系?在理论上,在微观层面,社会保险很可能替代了部分商业保险;但从宏观层面,社会保险和商业保险又可能是互补的。实证分析表明,目前我国社会保险和商业保险的互补性超过了替代性。Social insurance and business insurance are two different risk-operating systems, while they have some connections. The question is that whether social insurance blocks the progress way of business insurance or not, that is the relationship between them is substitute or complementary. Theoretically, the relationship may be substitute on the micro-aspect, while complementary on the macro-aspect. Our empirical study shows that the complementary power surpasses the substitute power.

关 键 词：社会保险 商业保险 替代关系 互补关系 

分 类 号：F840[经济管理—保险]